1. Increased Control -- The primary reasons for implementing an alternative risk transfer solution include control over underwriting guidelines and procedures, control of rates, control of coverage, and control of claims.

2. Improved Access to Coverage -- Certain physicians may find that coverage is not available in the commercial market because of the nature of their practice, claims history, or gaps in their coverage (periods of time where you may not have had coverage). ART solutions are better-positioned and provide the flexibility needed to administer such individual differences.

3. Reduced Risk Exposure -- Seekers of an alternative solution may be motivated to find a risk transfer vehicle that will not lump their exposure with those of poorer underwriting risks. Statistics support the theory that a few physicians are responsible for a majority of the medical malpractice claims.

4. Increased Versatility – Alternative risk transfer options, including the formation of onshore/offshore captives and risk retention groups, are becoming increasingly popular in the health care community because of the greater risk mitigation options they provide.

Alternative risk transfer vehicles, when structured and run properly, can help manage risk effectively and control insurance costs. In addition, ARTs bring the advantage of direct involvement in risk and loss control along with the potential for reduced premiums for health care practitioners.